Admin In today’s fast paced world, tracking personal finance and account balance has become pivotal. Visiting the nearest bank branch or ATM during working hours doesn’t always seem feasible. This is where Canara Bank’s missed call balance check facility comes handy allowing customers instant, round the clock savings or current account balance access at no cost and no complex authentication process.
By simply giving a missed call on the automated callback number mapped to Canara Bank database, account holders can retrieve their latest account balance directly on their registered mobile number via an SMS text response. Let’s understand this easy, secure and cost-effective facility in detail.
How the Free Missed Call Balance Check Facility Works
Three steps explain the simplicity in operation:
Registered active mobile number mapped to account
Account holders must register their active 10 digit Indian mobile number in Canara Bank records by submitting a request at their home branch in prescribed format along with KYC documents. This enables linkage of input number to individual account number.
Make missed call on pre-defined automated IVR number
The authorized input mobile number must only be used to dial the bank’s designated toll free virtual number. On dialing, allow rings for initialization and drop the call immediately. This automated server identifies caller number and service requested via missed call medium. Since there exists no call interaction, zero call charges get applied for using this interface.
Receive incoming SMS displaying account balance details from specified number
Within seconds of terminating missed call, the input registered number receives an automated SMS text response from Canara Bank’s short code number 56767 displaying available account balance along with other account identification information like account holder name, account number/type etc. This completes the free balance enquiry.
One-time Setup Process
To activate the missed call functionality, account holders need to complete a one-time registration and account mapping process:
Submit account details at home branch for mobile registration
Account holders must fill a prescribed Mobile Banking Registration Form with account details like account number, registered name, PAN etc along with the operable mobile number to be tagged for services. KYC validation happens at branch.
Bank captures mobile number and maps to account post verification
On successful KYC verification, Canara Bank associates the given mobile number to the specific savings/current account. IPIN allotment also takes place for authentication during subsequent transactions via mobile medium.
Account gets readiness for accessing mobile-based banking services including missed call facility
Post mapping, the registered mobile number can opt for missed call balance checks. The process remains similar for phones with or without data/internet connection minus any application download requirement.
Usage Guidelines
To ensure seamless service experience, recommended usage guidelines include:
- Use only your registered account linked number as mapped initially for making the balance enquiry missed calls in order to access legitimate account information via output SMS texts. This enhances authenticity and avoids fraud.
- Ensure your phone and messaging settings permit receiving automation SMS texts from the short code to be able to view the incoming balance confirmation message from bank’s system.
- For security reasons, maximum limit allowed per registered mobile user stands restricted to only 2 free balance enquiries per day under this facility as per bank norms. However, beyond included limits, options exist to seek mini statements on demand at nominal charges.
Benefits Over Traditional Balance Checking
The missed call account balance checking service scores over traditional passbook updating in branches or internet/mobile baking mediums majorly owing to:
Quick Access Anywhere, Anytime
No need visiting branches during working hours or logging into apps/websites. Info available round the clock even on basic feature phones.
Ease of Use for Senior Citizens
Alternate to remembering complex net banking passwords or PINs to authenticate balance requests during traditional methods, the single step discontinued call capability on this interface keeps it straightforward.
Zero Dependence on Internet Connectivity
Low connectivity areas often have spotty internet/mobile data. The missed call method relays details conveniently via SMS even without internet or data availability.
No Call Costs
The automated incoming response SMS with account balance triggered by user’s missed call remains absolutely free without call charges irrespective of service provider.
Conclusion
Canara Bank’s missed call balance enquiry interface empowers account holders including senior citizens, homemakers and individuals in remote locations with a straightforward, reliable and complementary method to monitor savings account position regularly. By enabling read only access to account balance without complex multi-step logins involving passwords or PINs, the service fosters financial discipline in citizens who can now track expenses against available balance via SMS alerts right from basic feature phones even with zero internet! A remarkable service innovation that eases life for the common man indeed in line with Canara Bank’s vision to spread digital footprint inclusively!
Also read,
- 4 Easy Ways to Check Bank of Baroda Account Balance
- Check Your Union Bank of India Account Balance Easily
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- Yes Bank Zero Balance Account: Your Gateway to Hassle-Free Banking
- How to Use the Axis Bank Balance Check Number for Hassle-Free Banking
- Easy Ways to Check Your ICICI Bank Account Balance Using a Phone Number
